Apple Pay Tips

About Apple Pay

Apple Pay offers an easy, secure, and private way to pay on iPhone, iPad, Apple Watch, and Mac.

What do I need to use Apple Pay?

Here’s what you need to use Apple Pay in supported regions:

In stores, you can use Apple Pay on your iPhone or Apple Watch. Within apps, you can use Apple Pay on your iPhone, iPad, and Apple Watch. Within websites in Safari, you can use Apple Pay on your iPhone, iPad, and Mac.

To use Apple Pay with Safari on a Mac model without built-in Touch ID, go to Settings > Wallet & Apple Pay and turn on Allow Payments on Mac.

How do I add a card to Apple Pay?

You can start using Apple Pay as soon as you add your credit or debit card to Wallet. Remember to add your cards to any device that you want to use with Apple Pay.

Your bank and AppleCare are ready to help you with issues when adding credit or debit cards to your device. You can contact your bank or AppleCare, which will help you resolve your issue. Get help adding a card to Apple Pay.

How do I use Apple Pay?

You can use Apple Pay in stores, within apps, and on websites in Safari. In the UK, you can also use Apple Pay with Transport for London (TfL). You might need to take an extra step or you might not be able to use Apple Pay, depending on the store and the transaction amount:

  • Australia: You might need to enter your PIN for purchases over 100 AUD.
  • Canada: You might not be able to use Apple Pay for purchases over 100 CAD.
  • France: You might not be able to use Apple Pay for purchases over 20 EUR.
  • Hong Kong: You might not be able to use Apple Pay for purchases over 500 HKD.
  • New Zealand: You might need to enter your PIN for purchases over 80 NZD.
  • Russia: You might need to sign a receipt or enter your PIN for purchases over 1000 RUB.
  • Singapore: You might need to sign a receipt or enter your PIN. At some stores, you might not be able to use Apple Pay for purchases over 100 SGD.
  • Spain: You might need to enter a PIN for purchases over 20 EUR.
  • Switzerland: You might need to sign a receipt or enter your PIN for purchases over 40 CHF.
  • United Kingdom: You might not be able to use Apple Pay for purchases over 30 GBP.

In stores, look for one of these symbols at checkout. If you can’t use Apple Pay at a store that displays one of these symbols, let us know.

Contactless payment symbol   Apple Pay symbol

Within apps and websites in Safari, look for the Buy with Apple Pay button or Apple Pay as a payment method.

Buy with Apple Pay button   Apple Pay button

Will I continue to earn rewards and benefits from my credit or debit cards when I pay using Apple Pay?

Yes. When you pay using Apple Pay, you’ll continue to get the rewards, benefits, and security that your credit or debit card provides. Learn more about rewards.

     

How do I return an item that I bought using Apple Pay in a store?

The cashier can use the Device Account Number to find the purchase and process the return, just as they would with a traditional credit or debit card payment. To see the last four or five digits of the Device Account Number:

  • For your iPhone or iPad, go to Wallet & Apple Pay, tap the card, and tap  .
  • For your Apple Watch, open the Watch app on your iPhone, go to the My Watch tab, tap Wallet & Apple Pay, then tap your card.

If the cashier needs your card details to process the return, you can follow the same steps for making a payment:

  1. On the device that you used to make the original payment, select the card that you want to be refunded. Remember to use the card registered within Apple Pay, not your physical card.
  2. On your iPhone, hold the device near the reader and authorize the return with Touch ID or passcode. On your Apple Watch, double-click the side button and hold the display of your Apple Watch within an inch of the contactless reader.

Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your credit or debit card statement. Apple Pay activity is also included on your credit and debit card statements.

How can I check my recent transactions?

When you view your card in Wallet, you’ll see the last transaction for each credit card or debit card. You might also see the last ten transactions for your cards. Just tap the card and tap  . Then tap the Transactions tab. Depending on your bank, you might see only transactions made from your device. Or you might see all transactions made from your credit or debit card account, including all Apple Pay devices and your actual card.

Some banks provide only initial authorization amounts to Wallet, which might be different from the final transaction amount. Depending on your bank, you might see different transaction amounts from locations such as restaurants, gas service stations, hotels, and car rental companies. Always refer to the credit or debit card statement from your bank for final transaction details.

How secure is Apple Pay?

Apple Pay is safer than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.

When you pay in stores, neither Apple nor your device sends your actual credit or debit card numbers to merchants. When you pay within apps and websites in Safari, the merchant will only receive information like name, email address, billing and shipping addresses that you authorize to share to fulfill your order. Apple Pay retains anonymous transaction information such as approximate purchase amount. This information can’t be tied back to you and never includes what you’re buying. Apps that use Apple Pay must have a privacy policy that you can view, which governs the use of your data.

Learn more about Apple Pay security and privacy.

What if my iPhone, iPad, Apple Watch, or Mac is lost or stolen?

With Apple Pay, you authorize each purchase with Touch ID or your passcode. And every time you put on your Apple Watch, you need to enter your passcode to access it. These features help prevent other people from using Apple Pay on your iPhone, iPad, Apple Watch, or Mac.

You can go to icloud.com/find or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call your bank to suspend or remove your cards from Apple Pay. Learn more about what to do if your iPhone is lost or stolen.

Can I continue to use my plastic credit or debit cards if I suspend or remove my cards in Wallet?

When you suspend or remove your cards in Wallet, your device-specific Device Account Number is suspended or removed. You can continue to use your plastic credit or debit cards.

I’m a merchant. How can I accept Apple Pay in my store?

Learn how to get started if you want to accept Apple Pay in your store.

I’m an app developer. How can I accept Apple Pay within my apps or website?

To accept Apple Pay within your app or on your website, go to Apple Pay for developers to learn how to get started.

*Make sure that you sign in to iCloud on all your devices. On your iOS device, you need to set up Touch ID or a passcode. If you turn off Touch ID or remove your passcode, all credit and debit cards will be removed from that device. On your Apple Watch, you need to set up a passcode and make sure that Wrist Detect is on. If you turn off Wrist Detect, remove your passcode, or sign out of iCloud, all credit and debit cards will be removed from your Apple Watch.

Pay in stores

With your iPhone or Apple Watch, you can pay in stores that accept contactless payments. Just look for one of the above symbols at checkout.2

Pay with iPhone

To use your default card, rest your finger on Touch ID and hold your iPhone within an inch of the contactless reader until you see Done and a checkmark on the display. Watch the demo to see how it works.

 

Pay with Apple Watch

To use your default card, double-click the side button and hold the display of your Apple Watch within an inch of the contactless reader. Wait until you feel a gentle tap. Watch the demo to see how it works.

 

If you need to choose Credit or Debit on the terminal, choose Credit. If you need to provide the last four digits of your card, use the Device Account Number. For iPhone, open Wallet, tap your card, then tap info icon to see the Device Account Number. For Apple Watch, open the Watch app on your iPhone, tap Wallet & Apple Pay, then tap your card to see the Device Account Number.

Depending on the store and transaction amount, you might need to sign a receipt or enter your PIN.

Pay with a different card instead of your default card

To switch cards on your iPhone, hold your device near the reader without resting your finger on Touch ID. When your default card appears, tap it, then tap the one that you want to use. Rest your finger on Touch ID to pay.

On your Apple Watch, double-click the side button. When your default card appears, swipe left or right to switch cards. Hold your watch near the reader to pay.

 

Pay within apps

With your iPhone, iPad, and Apple Watch you can use Apple Pay to pay within apps when you see Apple Pay as a payment option. Look for one of the above buttons in apps.

To pay with Apple Pay within an app:

  1. Tap the Buy with Apple Pay or Apple Pay button. Or choose Apple Pay as the payment method when checking out.
  2. Check your billing, shipping, and contact information to make sure that they’re correct. If you want to pay with a different card, tap > next to your card.
  3. If you need to, enter your billing, shipping, and contact information on your iPhone or iPad. Apple Pay will store that information, so you won’t need to enter it again.
  4. On your iPhone or iPad, place your finger on Touch ID. On your Apple Watch, double-click the side button. When your payment is successful, you’ll see Done and a checkmark on the screen.

Pay on websites in Safari

With your iPhone, iPad, and Mac you can use Apple Pay to pay on websites in Safari.

 

With your iPhone or iPad

  1. Tap the Buy with Apple Pay or Apple Pay button.
  2. Check your billing, shipping, and contact information to make sure that they’re correct. If you want to pay with a different card, tap > next to your card.
  3. If you need to, enter your billing, shipping, and contact information. Apple Pay will store that information so you won’t need to enter it again.
  4. When you’re ready, make your purchase and place your finger on Touch ID. When your payment is successful, you’ll see Done and a checkmark on the screen.

With your MacBook Pro with Touch ID

  1. Tap the Apple Pay or Buy with Apple Pay button.
  2. Check your billing, shipping, and contact information to make sure that they’re correct. To pay with a different card instead of your default card, click  next to your default card and select the card you want to use.
  3. If you need to, enter your billing, shipping, and contact information. Apple Pay will store that information so you won’t need to enter it again.
  4. When you’re ready, make your purchase. Follow the prompts on the Touch Bar and place your finger on Touch ID. If Touch ID is off, tap the Apple Pay icon on the Touch Bar and follow the prompts on the screen. When your payment is successful, you’ll see Done and a checkmark on the screen.

With other Macs

  1. Make sure that you’re signed in to the same iCloud account on your iPhone, iPad, Mac, or Apple Watch. Also, your Mac needs to have Bluetooth on.
  2. Tap the Buy with Apple Pay or Apple Pay button.
  3. Check your billing, shipping, and contact information to make sure that they’re correct. To pay with a different card instead of your default card, click  next to your default card and select the card you want to use. You can choose credit and debit cards from any iPhone or Apple Watch that is nearby and signed into the same iCloud account.
  4. If you need to, enter your billing, shipping, and contact information. Apple Pay will store that information on your iPhone, so you won’t need to enter it again.
  5. When you’re ready, make your purchase. On your iPhone, place your finger on Touch ID or double-click the side button on your Apple Watch. When your payment is successful, you’ll see Done and a checkmark on the screen.

Use a rewards card

At participating stores, you can receive or redeem rewards using Apple Pay. Just add your rewards card to Wallet and use it when you pay with Apple Pay. If you want your rewards card to appear automatically in a store, go to the card, tap Info icon, then turn on Automatic Selection.

After using your rewards card, Apple Pay switches to your default payment card to pay for the purchase. Depending on the store, you can apply your rewards card and payment card in one step, or you might need to wait until the terminal or cashier asks for payment.

Check your transaction history

When you view your card in Wallet, you’ll see the last transaction for each credit card or debit card. You might also see the last 10 transactions for your cards. Just tap the card and tap  . Then tap the Transactions tab. Depending on your bank, you might see only transactions made from your device. Or you might see all transactions made from your credit or debit card account, including all Apple Pay devices and your plastic card.

Some banks provide only initial authorization amounts to Wallet, which might be different from the final transaction amount. Depending on your bank, you might see different transaction amounts from locations such as restaurants, gas service stations, hotels, and car rental companies. Always refer to the credit or debit card statement from your bank for final transaction details.

If a transaction was declined, contact your bank or card issuer for help.

Set up Apple Pay on your iPhone, iPad, Apple Watch, or Mac

Get started by adding your credit, debit, or prepaid cards to your iPhone, iPad, Apple Watch, or Mac.

 
Here’s what you need to use Apple Pay in supported regions:

You can add up to eight cards on any device. If you want to use Apple Pay with more than one device, you need to add your card to each device. To get started, choose your device below. After you set up Apple Pay on iPhone or Apple Watch, you can use your cards on websites in Safari on your Mac, while signed in to iCloud.

In Japan, you can also add Suica cards to Apple Pay.

     

Add a card on your iPhone

  1. Go to Wallet and tap Add Credit or Debit Card.
  2. Follow the steps to add a new card. If you’re asked to add the card that you use with iTunes, just enter its security code.
  3. Tap Next. Your bank or card issuer will verify your information and decide if you can add your card to Apple Pay. If your bank or issuer needs more information to verify your card, they’ll ask you for it. When you have the information, go back to Settings > Wallet & Apple Pay and tap your card.
  4. After your bank or issuer verifies your card, tap Next. Then start using Apple Pay.

In certain countries, you can also add rewards cards to Apple Pay. Get help adding your card to Apple Pay.

Add a card on your iPad

  1. Go to Settings > Wallet & Apple Pay.
  2. Tap Add Credit or Debit Card.
  3. Follow the steps to add a new card. If you’re asked to add the card that you use with iTunes, just enter its security code.
  4. Tap Next. Your bank or card issuer will verify your information and decide if you can add your card to Apple Pay. If your bank or issuer needs more information to verify your card, they’ll ask you for it. When you have the information, go back to Settings > Wallet & Apple Pay and tap your card.
  5. After your bank or issuer verifies your card, tap Next. Then start using Apple Pay.

You can also add rewards cards to Apple Pay. Get help adding your card to Apple Pay.

Add a card on your Apple Watch

  1. Open the Watch app on your iPhone, and go to the My Watch tab. If you have multiple watches, choose one.
  2. Tap Wallet & Apple Pay.
  3. Follow the steps to add a card. If a card is already on your iPhone, tap Add next to the card. To add a new card, tap Add Credit or Debit Card. If you’re asked to add the card that you use with iTunes, just enter its security code.
  4. Tap Next. Your bank or card issuer will verify your information and decide if you can add your card to Apple Pay. If your bank or issuer needs more information to verify your card, they’ll ask you for it. When you have the information, go back to Wallet & Apple Pay and tap your card.
  5. After your bank or issuer verifies your card, tap Next. Then start using Apple Pay.

In certain countries, you can also add rewards cards to Apple Pay. Get help adding your card to Apple Pay.

Add a card on your Mac

  1. Go to System Preferences > Wallet & Apple Pay.
  2. Tap Add Card.
  3. Follow the steps to add a new card. If you’re asked to add the card that you use with iTunes, just enter its security code.
  4. Tap Next. Your bank will verify your information and decide if you can add your card to Apple Pay. If your bank needs more information to verify your card, they’ll ask you for it. When you have the information, go back to System Preferences > Wallet & Apple Pay and tap your card.
  5. After your bank verifies your card, tap Next. Then start using Apple Pay.

Get help adding your card to Apple Pay.

Manage the cards that you use with Apple Pay

After you add cards to Wallet, you can change your default card, update your information, or remove a card.*

Change your default card

The first card that you add to Wallet is your default card. If you add more cards and want to change your default card, use these steps.

iPhone or iPad


Go to Settings > Wallet & Apple Pay on your iPhone or iPad. Tap Default Card, then choose a new card.

 

Apple Watch


Open the Watch app on your iPhone. Go to the My Watch tab, tap Wallet & Apple Pay > Default Card, then choose a new card.

 

MacBook Pro with Touch ID

Go to System Preferences > Wallet & Apple Pay. Choose a new card from the Default Card pop-up menu.

To change the default card for your iPhone, you can also open Wallet, touch and hold a card, then drag it to the front of your cards.

Update your billing and contact information

Learn how to update your billing and shipping information for the cards that you use with Apple Pay.

iPhone or iPad

  • To change your billing information, go to Settings > Wallet & Apple Pay, tap a card, then tap what you want to update.
  • To update your email address, phone number, and shipping address, go to Settings > Wallet & Apple Pay, then choose what you want to update.

MacBook Pro with Touch ID

  • To change your billing information, go to System Preferences > Wallet & Apple Pay, click a card, then click the Billing Address pop-up menu.
  • To update your email address, phone number, and shipping address, go to System Preferences > Wallet & Apple Pay, then click Contact and Shipping.

While you can’t change your card number or expiration date, it should update automatically when you get a new card. If your issuer doesn’t support updates, you might need to remove the card, then add it again.

Remove a card

If you need to, you can remove a card from your device. You can keep up to eight cards on a device.

iPhone or iPad


To remove a card that you use on your iPhone or iPad, go to Settings > Wallet & Apple Pay, tap the card that you want to remove, then tap Remove Card.

 

Apple Watch


To remove a card that you use on your Apple Watch, open the Watch app on your iPhone, go to the My Watch tab, scroll down, tap Wallet & Apple Pay, tap the card, then tap Remove Card.

 

MacBook Pro with Touch ID

To remove a card that you use on your Mac, go to System Preferences > Wallet & Apple Pay, click the card that you want to remove, then click the minus (–) sign to remove the card.

You can also remove a card directly from your device. On your iPhone or iPad, open Wallet, tap a card, tap Info icon, then tap Remove Card. On your Apple Watch, tap Wallet on the Home screen, tap a card, press it firmly, and tap Delete.

Manage your store or rewards cards

If you turn on Automatic Selection on a store card, the store card will be presented instead of your default card when you pay at the associated store. If you turn on Automatic Selection on a rewards card, your rewards information will be presented at the associated store when using Apple Pay.

When you add a store card or rewards card to Wallet, you might be asked if you want the card to be automatically selected. To turn Automatic Selection on or off:

  1. Open the Wallet app.
  2. Tap the store card or rewards card.
  3. Tap Info icon, then turn Automatic Selection on or off.

Get help if your device is lost or stolen

To use Apple Pay, you need to authorize each credit, debit, or prepaid card purchase with Touch ID or your passcode. And every time you put on your Apple Watch, you need to enter your passcode. These features help prevent other people from using Apple Pay on your iPhone, iPad, Apple Watch, or Mac.

Go to icloud.com/find or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call your issuer to suspend or remove your cards from Apple Pay. Learn more about what to do if your iPhone is lost or stolen.

You can remove the ability to pay with your credit or debit cards from Apple Pay on iCloud.com. Just sign in, click Settings, choose your device, and click Remove All. You can also call your bank to suspend or remove your cards from Apple Pay.

Get help adding cards to Apple Pay

If you need help adding cards to Apple Pay, try the steps below.

Make sure that you can add a card

Learn which countries support Apple Pay.

Check Apple Pay on the System Status page. If there’s an issue, try again after it’s resolved. If there isn’t an issue, make sure that you’re using:

Try to add a card

After each step, see if you can add your card to Apple Pay:

  1. Make sure that you’re in a supported region.
    • For your iPhone or iPad, go to Settings > General > Language & Region, then scroll to Region.
    • For your Apple Watch, open the Watch app on your iPhone, go to the My Watch tab, tap General > Language & Region, and check the region format.
    • For your MacBook Pro with Touch ID, go to System Preferences > Language & Region, and check the region.
  2. Restart your iPhone, iPad, Apple Watch, or Mac.
  3. Update to the latest version of iOS, watchOS, or macOS.
  4. Remove the card from Apple Pay, then add it again.
    • For your iPhone or iPad, go to Settings > Wallet & Apple Pay, tap the card that you want to remove, and tap Remove Card. Then add the card back to Apple Pay.
    • For your Apple Watch, open the Watch app on your iPhone, go to the My Watch tab, scroll down, and tap Wallet & Apple Pay. Tap the card and tap Remove. Then add the card back to Apple Pay.
    • For your MacBook Pro with Touch ID, go to System Preferences > Wallet & Apple Pay, click the card that you want to remove, and click the minus (–) sign. Click Delete. Then add the card back to Apple Pay.

If you still can’t add a card, contact your bank or card issuer for help.

MacBook Pro Tips

Set up

The first time your MacBook Pro starts up, Setup Assistant walks you through the simple steps needed to begin using your new Mac. If you want to transfer your data from another computer, see Migrate your data for details.

A screen with Setup Assistant open to the Welcome screen.

Be sure to connect to Wi-Fi, turn on Bluetooth® wireless technology, get an Apple ID, then sign in to iCloud. Activate Siri during setup, if you want. If your MacBook Pro has the Touch Bar, you can also set up Touch ID and Apple Pay.

You can do these steps quickly and easily with Setup Assistant—but if you want to do them later, here’s how:

Connect to Wi-Fi. Click the Wi-Fi status icon in the menu bar, then choose a Wi-Fi network and enter the password, if necessary.

Turn Wi-Fi on or off. Click the Wi-Fi status icon in the menu bar, then choose Turn Wi-Fi On or Turn Wi-Fi Off.

Turn Bluetooth on or off. Click the Bluetooth icon in the menu bar, then choose Turn Bluetooth On or Turn Bluetooth Off.

Tip: If you don’t see the Wi-Fi status icon or Bluetooth icon in the menu bar, you can add them. For Wi-Fi, choose Apple menu > System Preferences, then click Network. Click Wi-Fi in the list on the left, then select “Show Wi-Fi status in menu bar.” For Bluetooth, choose Apple menu > System Preferences, click Bluetooth, then select “Show Bluetooth in menu bar.”

Get an Apple ID. Your Apple ID is the account you use for everything you do with Apple—including using the App Store, the iTunes Store, iCloud, iMessage, and more. Your Apple ID consists of an email address and a password. You need only one Apple ID to use any Apple service, on any device—whether it’s your computer, iOS device, or Apple Watch. It’s best to have your own Apple ID and not share it—create separate Apple IDs for each family member.

If you don’t already have an Apple ID, you can create one (it’s free). Go to the Apple ID account website.

Important: If you forget your Apple ID password, you don’t need to create a new Apple ID. Just click the Forgot link in the login window to retrieve your password.

Set up iCloud on your MacBook Pro. With iCloud, you can store all of your content—documents, movies, music, photos, and more—in the cloud, and access it anywhere you go.

To set up iCloud, choose Apple menu > System Preferences, then click iCloud. In the window that appears, enter your Apple ID and password. Then select the features you want to use. For more about iCloud, see Access your content anywhere with iCloud.

Important: Be sure to use the same Apple ID for iCloud on all your devices.

Set up Siri. You can enable Siri on your MacBook Pro when prompted during setup. To learn how to turn on Siri later and for information about using Siri on your Mac, see Siri.

Set up Touch ID. If your MacBook Pro has the Touch Bar and Touch ID, you can add a fingerprint to Touch ID during setup. To set up Touch ID later or to add additional fingerprints, click the System Preferences icon  in the Dock, or choose Apple menu > System Preferences. Then click Touch ID. To add a fingerprint, click the add icon and follow the onscreen instructions. You can add up to three fingerprints per user account (you can add up to five fingerprints total to your MacBook Pro).

The Touch ID preferences window with options for adding a fingerprint and using Touch ID to unlock your Mac, use Apple Pay, and buy from the iTunes, App Store, and iBooks Store.

You can also set options for how you want to use Touch ID on your MacBook Pro: to unlock your Mac instead of entering your password, to use Apple Pay (see Apple Pay), or to purchase items on the iTunes Store, App Store, and iBooks Store.

Tip: If two or more users use the same MacBook Pro, each one can add a fingerprint to Touch ID to quickly unlock, authenticate, and log in to the MacBook Pro. Your MacBook Pro can store a total of five fingerprints.

For more information about Touch ID, see the Apple Support article Use Touch ID on your MacBook Pro.

Set up Apple Pay. If you have a MacBook Pro with the Touch Bar, you can set up Apple Pay for one user account on your MacBook Pro during setup. Other users can still pay with Apple Pay, but they must complete the purchase using their iPhone or Apple Watch that’s been set up for Apple Pay (see Apple Pay for more details). Follow the onscreen prompts to add and verify your card. If you already use a card for iTunes purchases, you might be prompted to verify this card first.

To set up Apple Pay or add additional cards later, click the System Preferences icon  in the Dock, or choose Apple menu > System Preferences. Then click Wallet & Apple Pay and follow the onscreen prompts to set up Apple Pay.

Note: The card issuer determines whether your card is eligible to use with Apple Pay, and may ask you to provide additional information to complete the verification process. Many credit and debit cards can be used with Apple Pay. For information about Apple Pay availability and current credit card issuers, see the Apple Support article Apple Pay Participating Banks.

The desktop

The first thing you see on your MacBook Pro is the desktop, where you can quickly open apps, search for anything on your MacBook Pro and the web, organize your files, and more.

A MacBook Pro screen calling out the Apple menu, desktop, Help menu, Finder window, menu bar, Wi-Fi status icon, Ask Siri icon, Finder icon, System Preferences icon, and the Dock.

Tip: Can’t find the pointer? To magnify it temporarily, move your finger rapidly back and forth on the trackpad. Or if you’re using a mouse, slide it back and forth quickly.

Apple Pay Tips

500px-Apple_Pay_logo.svgSet up and use Apple Pay

Setup is simple. Get started by adding the credit or debit card on file from your iTunes account to Passbook by simply entering the card security code.

Set up Apple Pay

You can start using Apple Pay as soon as you add a credit or debit card to Passbook. Here’s what you need to get started:

  • iPhone 6 or iPhone 6 Plus (Apple Pay in stores and within apps)
  • iPad Air 2 or iPad mini 3 (Apple Pay within apps)
  • iOS 8.1 or later
  • United States as your selected region
  • Touch ID or passcode on your device
  • iCloud account
  • Supported card from a participating bank 

To set up Apple Pay on iPhone 6 or iPhone 6 Plus, open Passbook and follow the steps below. On iPad Air 2 or iPad mini 3, go to Settings > Passbook & Apple Pay and follow the steps below.

Add the card that you already use for your iTunes Store account

  1. On iPhone, if you don’t have any cards or passes, tap Set Up Apple Pay. If you do have cards or passes, pull down your pass stack and tap the plus icon in the top right corner in the upper right corner. On iPad, tap Add Credit or Debit Card.plus sign in top right corner     Add Credit or Debit Card in Passbook settings
  2. Select Use Card on File with iTunes.
    Apple Pay setup screen
  3. Enter the security code for the credit or debit card you’re already using with iTunes.
  4. Tap Next. Your bank will verify your information and decide if you can add your card to Apple Pay. If they need more information, you’ll get instructions on how to provide additional verification. You can verify your card anytime after you’ve added it to Passbook. Just return to Passbook and follow the instructions.
  5. After your card is verified, tap Next. Your card is ready for Apple Pay.

Add a new card using your device’s iSight camera

  1. On iPhone, if you don’t have any cards or passes, tap Set Up Apple Pay. If you do have cards or passes, pull down your pass stack and tap the plus icon in the top right corner in the upper right corner. On iPad, tap Add Credit or Debit Card.
  2. Select Use a Different Credit or Debit Card.
  3. On the Card Details screen, tap the camera icon . You can also enter your card information manually.
  4. Position your card in the frame to capture the card information.
  5. Enter the security code and any other information that doesn’t automatically appear.
  6. Tap Next. Your bank will verify your information and decide if you can add your card to Apple Pay. If they need more information, you’ll get instructions on how to provide additional verification. You can verify your card anytime after you’ve added it to Passbook. Just return to Passbook and follow the instructions.
  7. After your card is verified, tap Next. Your card is ready for Apple Pay.

Use Apple Pay in stores and within apps

You can use Apple Pay with your iPhone 6 and iPhone 6 Plus to pay in stores that accept contactless payments. You can also pay with Apple Pay within participating apps that sell physical goods and services, like groceries, clothing, tickets, reservations, and more.

Pay with Apple Pay in stores

On iPhone 6 and iPhone 6 Plus, you can use Apple Pay in stores that accept contactless payments. Look for one of these symbols at checkout:

Contactless payment reader symbol   Apple Pay symbol

To pay with Apple Pay using your default card, hold your iPhone within an inch of the contactless reader with your finger held on Touch ID without pressing it. (You can watch the demo to see how it works.) If you need to choose between “Credit” or “Debit” on the terminal, we recommend you to choose “Credit” to get the most consistent Apple Pay experience. Choosing “Debit” may not always work successfully with some older merchant payment terminals and backend systems.

Some stores might have this symbol on their card readers and POS terminals, but they might not be currently set up to accept contactless payments including Apple Pay. At the current time, this includes 7-Eleven, Home Depot, and Jack in the Box. If you can’t use Apple Pay at a store that is displaying the contactless payment symbol, please let us know using the Apple Pay feedback form.

To pay with a different card:

  1. Hold your iPhone near the contactless reader without placing your finger on Touch ID. Your iPhone will wake up, and you’ll see your default card on your screen.
  2. Tap your default card. From the list of cards, tap the one you want to use.
  3. Place your finger on Touch ID and move your iPhone near the reader to complete the payment. You might also need to sign a receipt, depending on the store and the transaction amount.

Make sure that you hold your iPhone near the reader until you feel a subtle vibration and see a checkmark on the screen. That’s how you know that your payment information was sent.

Pay with Apple Pay in apps

On iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad mini 3, you can use Apple Pay to pay within apps when you see the “Buy with Apple Pay” or “Apple Pay”  button as a payment method. Look for these buttons in apps:

Buy with Apple Pay button  Apple Pay button

To pay with Apple Pay within an app:

  1. Tap the “Buy with Apple Pay” button or “Apple Pay” button.
  2. Review your payment information and contact details. Enter other billing, shipping, and contact information if necessary. Apple Pay will store that information, so you won’t need to enter it again.
    Pay with Touch ID in apps
  3. Place your finger on Touch ID to complete the payment.

When your payment information is sent successfully, you’ll see “Done” and a checkmark on the screen.

Manage your cards

After you add credit or debit cards to Passbook, you can change the default card, update your card information, or remove a card at any time.

Change your default card

The first card you add to Passbook is your default card. To change your default card:

  1. Go to Settings > Passbook & Apple Pay.
  2. Tap Default Card.
    Default Card in Passbook settings
  3. Choose a new card.

Update your card information, addresses, and contact information

You can change the addresses, email, or phone number you use for paying within apps at any time. Go to Settings > Passbook & Apple Pay to update your information.

Remove a card

You can remove a card from Apple Pay at any time. Just open Passbook, tap the card that you want to remove, tap  , and tap Remove Card.

Remove Card

Get help if your device is lost or stolen

You can remove your credit or debit cards from Apple Pay on icloud.com/settings. Just sign in, choose your device, and remove your cards in the Apple Pay section.

If Find My iPhone is turned on, you can also help keep your data secure in these ways:

  • Turn on Lost Mode to lock your device and suspend Apple Pay.
  • Erase your device remotely to prevent anyone else from accessing the data on your missing device and to remove your cards.

You can also call your bank to suspend or remove your cards from Apple Pay. Learn more about what to do if your iPhone is lost or stolen.

Apple Pay security and privacy overview

Apple Pay protects your personal information, transaction data and credit and debit card information with industry-leading security. Learn more about Apple Pay security and privacy below.

With Apple Pay, you can use iPhone 6 and iPhone 6 Plus to pay in an easy, secure, and private way. It’s simple for you, and it’s built with integrated security in both hardware and software.Apple Pay is also designed to protect your personal information. Apple Pay doesn’t collect any transaction information that can be tied back to you. Payment transactions are between you, the merchant, and your bank.

Keeping your payment information secure

To help ensure the security of Apple Pay, you must have a passcode set on your device and, optionally, Touch ID when you use Apple Pay. On your iPhone, you can use a simple four-digit passcode, or you can set a more complex passcode for even greater security.

When you add credit or debit cards

When you add a credit or debit card to Apple Pay, the information that you enter on your device by typing or using the iSight camera is encrypted and sent to Apple servers. If you use the camera to enter the card information, the information is never saved to the device or stored to the photo library. Apple decrypts the data, determines your card’s payment network, and re-encrypts the data with a key that only your payment network can unlock. Then it sends the encrypted data, along with other information about your iTunes account activity and device (such as the name of your device, its current location, or if you have a long history of transactions within iTunes) to your bank. Using this information, your bank will determine whether to approve adding your card to Apple Pay.

Once your card is approved, the payment network or your bank creates a device-specific Device Account Number, encrypts it, and sends it along with other data (such as the key used to generate dynamic security codes unique to each transaction) to Apple. Apple can’t decrypt it, but will add it to the Secure Element within your device. The Secure Element is an industry-standard, certified chip designed to store your payment information safely. The Device Account Number in the Secure Element is unique to your device and to each card added. It’s isolated from iOS, never stored on Apple Pay servers, and never backed up to iCloud. Because this number is unique and different from usual credit or debit card numbers, your bank can prevent its use on a magnetic stripe card, over the phone, or on websites.

Apple doesn’t store or have access to the card numbers you added to Apple Pay. Apple Pay only stores a portion of your actual card numbers and a portion of your Device Account Numbers, along with a card description, to help you manage your cards.

When you pay using Apple Pay in stores

Paying in stores that accept contactless payments with Apple Pay uses Near Field Communication (NFC) technology between your device and the payment terminal. NFC is an industry-standard contactless technology designed to work only across short distances. If your iPhone 6 is on and it detects an NFC field, it will present you with your default credit or debit card. To send your payment information, you must authenticate using Touch ID or your passcode. No payment information is sent without your authentication.

After you authenticate using Touch ID or passcode at a payment terminal, the Secure Element provides your Device Account Number and a transaction-specific dynamic security code, along with additional information needed to complete the transaction to the store’s point of sale terminal. Neither Apple nor your device sends your credit or debit card number. Before they approve the payment, your bank or payment network can verify your payment information by checking the dynamic security code to make sure it’s unique and that it’s tied to your device.

When you pay using Apple Pay within apps

To securely transmit your payment information when you pay in apps, Apple Pay receives your encrypted transaction and re-encrypts it with a merchant-specific key before the transaction information is sent to the merchant. This key helps ensure that only the merchant you’re purchasing from can access your encrypted payment information. As with in-store payments, Apple sends your Device Account Number to the merchant along with the dynamic security code. So neither Apple nor your device sends your actual credit or debit card numbers to the merchant.

If you lose your device and need to suspend or remove cards from Apple Pay

If you turned on Find My iPhone on your iPhone 6, you can simply suspend Apple Pay by placing your device in Lost Mode using Find My iPhone instead of immediately canceling your cards. You can also permanently remove the ability to pay with Apple Pay using the cards on your device by erasing the device remotely using Find My iPhone or Removing All Cards by going to iCloud.com/Settings.

Your cards will be suspended or removed from Apple Pay by your bank or the respective payment network even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call your bank to suspend or remove your cards from Apple Pay.

Maintaining your privacy

The moment you begin using Apple Pay, strong privacy measures are already at work protecting your information. Apple has built extensive privacy safeguards into Apple Pay and iOS.

Adding credit or debit cards

Data Apple provides to your bank when you attempt to add a card may only be used by them to determine whether to approve adding your card to Apple Pay or improve their anti-fraud protections.

Using Apple Pay in stores

Apple Pay was designed so that when you pay in stores Apple doesn’t collect any transaction information that can be tied back to you. If you have Location Services turned on, the location of your device and the approximate date and time of the transaction may be sent anonymously to Apple. Apple uses this information to help Apple Pay improve the accuracy of business names in your transaction history and may be retained in the aggregate to improve Apple Pay and other Apple products and services.

Using Apple Pay within apps

When you use Apple Pay within apps, Apple Pay receives your encrypted transaction information and re-encrypts it with a merchant-specific key before it’s sent to the merchant. Apple Pay retains anonymous transaction information including approximate purchase amount, merchant and app identifiers, approximate date and time, and if the transaction completed successfully. Apple uses this data to improve Apple Pay and other products and services. Apple also requires apps using Apple Pay to have a privacy policy that you can view which governs their use of your data.

Using Apple Pay with iAd

If you tap a “Buy with Apple Pay” button in an iAd, your interactions with the ad, such as whether you completed a purchase or not, are included anonymously in the ad campaign data that’s shared with the advertiser and can’t be tied back to you.

See the Apple Privacy Policy for the complete terms about how Apple uses and protects your information.

 

 

Apple Pay FAQ

500px-Apple_Pay_logo.svgApple Pay offers an easy, secure, and private way to pay using Touch ID on iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad mini 3.

What do I need to use Apple Pay?

Apple Pay will be available in the United States with iOS 8.1.

Here’s what you need to use Apple Pay:

How do I set up Apple Pay?

You can start using Apple Pay as soon as you add your first credit or debit card to Passbook.

To add a credit or debit card on iPhone 6 or iPhone 6 Plus, open Passbook. If you don’t have any cards or passes, tap Set Up Apple Pay. If you do have cards or passes, pull down your pass stack and tap  plus icon in the upper right corner.

Passbook card stack

If you have a credit or debit card from a participating bank on file with iTunes, you’ll be prompted to add it to Passbook. You can also choose to add a different card using the iSight camera or by entering your card information manually. Then your bank will decide whether to approve adding your card to Apple Pay. They might ask you to provide more information to complete the verification process.

To add a credit or debit card on iPad Air 2 or iPad mini 3, go to Settings > Passbook & Apple Pay, tap Add Credit or Debit Card, and then follow the same steps for iPhone above.

What should I do if I have an issue adding a credit or debit card to Apple Pay?

Your card issuing bank is ready to help you with issues when adding credit or debit cards to your iPhone 6, iPhone 6 Plus, iPad Air 2, or iPad mini 3. You can contact your bank or AppleCare, who will help you resolve your issue.

Where and how can I use Apple Pay to pay in a store or within apps?

You can use Apple Pay with your iPhone 6 and iPhone 6 Plus to pay in stores that accept contactless payments. Look for one of these symbols at checkout:

Contactless payment symbol   Apple Pay symbol

Some stores might have this symbol on their card readers and point of sale terminals, but they might not be currently set up to accept contactless payments including Apple Pay. At the current time, this includes 7-Eleven, Home Depot, and Jack in the Box.

On iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad mini 3, you can use Apple Pay to pay within apps when you see the “Buy with Apple Pay” or “Apple Pay” button as a payment method. Look for these buttons in apps:

Buy with Apple Pay button   Apple Pay button

When I’m paying in a store using my debit card in Apple Pay, should I choose Credit or Debit on the terminal?

When presented with this choice, we recommend you to choose “Credit” to get the most consistent Apple Pay experience. Choosing “Debit” may not always work successfully with some older merchant payment terminals and backend systems.

Will I have to sign a receipt when paying with Apple Pay?

As you do today with a plastic credit or debit card, you might need to sign a receipt, depending on the store and the transaction amount.

Will I continue to earn rewards and benefits from my credit or debit cards when I pay using Apple Pay?

Yes. When you pay using Apple Pay, you’ll continue to get the rewards, benefits, and security that your credit or debit card provides.

Does Passbook show my recent transactions?

When you view your card in Passbook, you’ll see the last transaction for each credit card or debit card.

Passbook showing the last transaction

You can also see the last 10 transactions for your credit cards, but not your debit cards. Just tap the credit card and tap the Info icon in the bottom left corner.

Depending on your bank, you might see only transactions made from your device. Or you might see all transactions made from your credit card account, including all Apple Pay devices and your actual credit card.

Why is my transaction amount sometimes reported differently in Passbook?

Some banks provide only initial authorization amounts to Passbook, which might be different from the final transaction amount. Depending on your bank, you might see different transaction amounts from locations such as restaurants, gas service stations, hotels, and car rental companies. Always refer to the credit or debit card statement from your bank for final transaction details.

How do I return an item that I bought using Apple Pay in a store?

The cashier can use the Device Account Number to find the purchase and process the return, just like they would with a traditional credit or debit card payment. To see the last four digits of the Device Account Number, go to Passbook, tap the card, and tap the Info icon in the bottom right corner.

If the cashier needs your card details to process the return, you can follow the same steps for making a payment. Hold your iPhone 6 or iPhone 6 Plus near the reader, select the card you used to make the original payment, and authorize the return with Touch ID or passcode. Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your credit or debit card statement.

How secure is Apple Pay?

Apple Pay is more secure than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID or your passcode. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.

How does Apple Pay keep my information private?

When you pay in stores, neither Apple nor your device sends your actual credit or debit card numbers to merchants. When you pay in apps, the merchant will only receive information like name, email address, billing and shipping address you authorize to share to fulfill your order. Apple Pay retains anonymous transaction information such as approximate purchase amount. This information can’t be tied back to you and never includes what you are buying. Apps that use Apple Pay must have a privacy policy that you can view which governs the use of your data.

What should I do if my iPhone or iPad is lost or stolen?

With Apple Pay, you authorize each purchase with Touch ID or your passcode. These features help prevent other people from using Apple Pay on your iPhone or iPad.

If your iPhone or iPad is lost or stolen, you can go to icloud.com/find or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call your bank to suspend or remove your cards from Apple Pay.

Can I continue to use my plastic credit or debit cards if I suspend or remove my cards in Passbook?

When you suspend or remove your cards in Passbook, your device-specific Device Account Number is suspended or removed. You can continue to use your plastic credit or debit card.

I’m a merchant. How can I accept Apple Pay in my store?

To accept Apple Pay in your store, contact your payment provider.

I’m an app developer. How can I accept Apple Pay within my apps?

To accept Apple Pay in your app, go to Apple Pay for developers to learn how to get started.

Have you had a bad experience with Apple Pay? Apple wants to know.